U-Haul Holding Company Financial Flexibility Index
U-Haul Holding Company financial flexibility index. U-Haul Holding Company (UHAL) has a Financial Flexibility Index of 0.16x as of December 2025. Free cash flow of $2.16 Billion (operating CF $240.60 Million minus capex $1.91 Billion) represents 0% of total liabilities ($13.87 Billion). See UHAL free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of U-Haul Holding Company (1994–2025)
Financial flexibility index of U-Haul Holding Company from 1994 to 2025. Historical Financial Flexibility Index trend for U-Haul Holding Company across 32 annual periods. Check UHAL cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
U-Haul Holding Company Financial Flexibility Index by Year (1994–2025)
U-Haul Holding Company financial flexibility index by year from 1994 to 2025. Year-by-year free cash flow to debt coverage for U-Haul Holding Company. For the full cash flow conversion analysis, see U-Haul Holding Company cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.38x | $4.91 Billion | $1.45 Billion | $12.98 Billion | ▲ +1.1% |
| 2024 | 0.37x | $4.45 Billion | $1.45 Billion | $11.89 Billion | ▼ -2.6% |
| 2023 | 0.38x | $4.45 Billion | $1.73 Billion | $11.60 Billion | ▲ +6.7% |
| 2022 | 0.36x | $4.08 Billion | $1.95 Billion | $11.35 Billion | ▲ +18.4% |
| 2021 | 0.30x | $2.98 Billion | $1.54 Billion | $9.80 Billion | ▼ -17.3% |
| 2020 | 0.37x | $3.38 Billion | $1.08 Billion | $9.22 Billion | ▲ +5.8% |
| 2019 | 0.35x | $2.85 Billion | $975.58 Million | $8.20 Billion | ▲ +10.7% |
| 2018 | 0.31x | $2.30 Billion | $936.33 Million | $7.34 Billion | ▼ -12.8% |
| 2017 | 0.36x | $2.44 Billion | $1.02 Billion | $6.79 Billion | ▼ -16.8% |
| 2016 | 0.43x | $2.55 Billion | $1.04 Billion | $5.90 Billion | ▲ +12.3% |
| 2015 | 0.38x | $1.92 Billion | $808.19 Million | $4.99 Billion | ▲ +0.7% |
| 2014 | 0.38x | $1.71 Billion | $709.50 Million | $4.47 Billion | ▲ +18.3% |
| 2013 | 0.32x | $1.32 Billion | $661.53 Million | $4.08 Billion | ▼ -6.8% |
| 2012 | 0.35x | $1.25 Billion | $664.61 Million | $3.62 Billion | ▲ +4.8% |
| 2011 | 0.33x | $1.05 Billion | $572.79 Million | $3.18 Billion | ▲ +48.0% |
| 2010 | 0.22x | $659.36 Million | $399.87 Million | $2.95 Billion | ▲ +3.4% |
| 2009 | 0.22x | $671.65 Million | $274.96 Million | $3.11 Billion | ▼ -26.1% |
| 2008 | 0.29x | $899.50 Million | $329.29 Million | $3.07 Billion | ▼ -17.8% |
| 2007 | 0.36x | $999.07 Million | $350.72 Million | $2.80 Billion | ▲ +54.8% |
| 2006 | 0.23x | $614.89 Million | $270.51 Million | $2.67 Billion | ▲ +15.8% |
| 2005 | 0.20x | $505.69 Million | $220.72 Million | $2.54 Billion | ▲ +227.9% |
| 2004 | 0.06x | $175.27 Million | $-40.33 Million | $2.89 Billion | ▼ -37.4% |
| 2003 | 0.10x | $339.45 Million | $74.53 Million | $3.50 Billion | ▼ -20.1% |
| 2002 | 0.12x | $406.38 Million | $130.49 Million | $3.35 Billion | ▼ -22.8% |
| 2001 | 0.16x | $490.91 Million | $126.05 Million | $3.13 Billion | ▼ -39.1% |
| 2000 | 0.26x | $655.37 Million | $237.66 Million | $2.54 Billion | ▲ +39.1% |
| 1999 | 0.19x | $458.38 Million | $159.55 Million | $2.47 Billion | ▼ -22.1% |
| 1998 | 0.24x | $552.20 Million | $159.90 Million | $2.32 Billion | ▲ +28.6% |
| 1997 | 0.19x | $392.12 Million | $188.18 Million | $2.12 Billion | ▼ -10.7% |
| 1996 | 0.21x | $451.09 Million | $151.90 Million | $2.17 Billion | ▼ -41.5% |
| 1995 | 0.35x | $680.97 Million | $234.40 Million | $1.92 Billion | ▼ -18.1% |
| 1994 | 0.43x | $733.01 Million | $202.32 Million | $1.69 Billion | — |